AU Bank Zenith Plus Credit Card
Updated on September 1, 2026
🎖️Reward Rate
2 Reward Points (0.5% value) per ₹100 spent on general retail
Overview
Zenith+ Plus Credit Card - Get movie passes, enjoy lifestyle privileges & rewards with our Metal Credit Card. Apply for credit card online at AU Small Finance Bank!.
Rewards
Reward Type
Reward Points
Reward Rate
- • 2 Reward Points (0.5% value) per ₹100 spent on general retail
- • 4 Reward Points (1.0% value) per ₹100 spent on Dining, International, and Travel
Welcome Benefit
Taj Epicure Membership or vouchers worth ₹5,000 across top luxury brands (Taj, Postcard Hotels, Apple) upon spending ₹1.25 Lakhs within first 90 days.
Milestone Benefit
100% annual renewal fee waiver of ₹4,999 on achieving ₹8 Lakhs annual spend; 2,500 bonus Reward Points on spending ₹1 Lakh every month
Redemption
Redeem for flight bookings, hotels, and luxury brand vouchers on AU Rewardz (1 Point = ₹0.25)
Benefits
- Domestic Lounge: 16 visits
- International Lounge: 16 visits
- 0.99% Industry-Leading Forex Markup: Ultra-low foreign currency conversion markup of just 0.99% on international transactions worldwide.
- Complimentary Golf Rounds: 4 complimentary golf rounds or lessons per calendar quarter across premier championship golf courses in India.
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 Free movie ticket up to ₹500 twice a month on BookMyShow.
Things to Know Before you apply
AU Bank Zenith Plus Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried with net monthly income > ₹2,50,000; Self-employed with ITR > ₹30,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Foreign Currency Mark-up Fee | 0.99% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹100) |
Fee waiver: Spend ₹8,00,000 or more in preceding year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Apply for Zenith⁺ Plus Metal Credit Card | AU Small Finance Bank issued by AU Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Up to 2 Reward Points per Rs.100 spent on dining, travel & international spends.
- • Earn 2 Reward Points per Rs. 100 spent on travel, dining, and international spends.
- • Earn 1 Reward Point per Rs.100 spent across all merchant categories.
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • Taj Epicure Membership or vouchers worth ₹5,000 across top luxury brands (Taj, Postcard Hotels, Apple) upon spending ₹1.25 Lakhs within first 90 days.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • 2 Reward Points (0.5% value) per ₹100 spent on general retail
- • 4 Reward Points (1.0% value) per ₹100 spent on Dining, International, and Travel
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • Up to 2 Reward Points per Rs.100 spent on dining, travel & international spends.
- • Earn 2 Reward Points per Rs. 100 spent on travel, dining, and international spends.
- • Earn 1 Reward Point per Rs.100 spent across all merchant categories.
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed